Citizens Access™ vs. GO2bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Citizens Access™
Citizens Access® Savings
3.35%APYDec 5, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
GO2bank
High Yield Savings
Up to4.50%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 0.00% – 4.50%Show Fine Print & Trends Hide Details
GO2bank
High Yield Savings
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Citizens Access™ vs. GO2bank
Why Citizens Access™?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.8 vs 4.5)
Why GO2bank?
- ✓Higher potential APY (4.50% vs 3.35%) on balances up to $5,000 (requires checking bundle)
— Key Feature Differences —
Better Returns at $10,000
Citizens Access™Citizens Access™'s Citizens Access® Savings earns more on smaller deposits (approx. $335 vs $225/yr).
Better Returns at $25,000
Citizens Access™Citizens Access™'s Citizens Access® Savings pulls ahead with larger amounts (approx. $838 vs $225/yr).
Best for Simplicity
Citizens Access™Citizens Access™'s Citizens Access® Savings offers 3.35% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Citizens Access™'s Citizens Access® Savings pays $110 more interest on a $10,000 balance than GO2bank's High Yield Savings.
Executive Summary
GO2bank offers a competitive High Yield Savings account with an APY of 4.50%, making it the clear winner in this comparison. However, it's important to note that a GO2bank checking account is required to open this savings account, and the high APY applies only to balances up to $5,000, with higher amounts earning no interest. In contrast, Citizens Access™ provides a Citizens Access® Savings account with a solid APY of 3.35%, which has no direct deposit requirement or balance caps, making it a good alternative for those seeking simplicity and flexibility.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Citizens Access™ and GO2bank.
| Feature | Citizens Access™ | GO2bank |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 4.50% 0Verified: 12/6/2025 Stable (90d) |
| Product Name | Citizens Access® Savings | High Yield Savings |
| Minimum Deposit | $0.01 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $5 per month, unless you set up direct deposit |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.8 Android4.8 | iOS4.8 Android4.5 |
| BBB Rating | A+ | Not Rated |
| Important Notes | - | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. |
| Next Steps |
Savings Comparison
Citizens Access™ earns $787.9 more than GO2bank.
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$2,018.80(10.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,018.80
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$1,230.90(6.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,230.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | GO2bank |
|---|---|---|
| Citizens Access® Savings | High Yield Savings | |
Current APY | 3.35% | 4.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.9 | 0.0 |
Days Since Change | 37 | 121 |
4-Month High | 3.50% | 4.50% |
4-Month Low | 3.35% | 4.50% |
Adjustments / Mo | 0.25 | 0.00 |
Volatility Score | 0.021 | 0.000 |
How to read these metrics(Click to expand)
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